we may be looking at generational lows for mortgages. >> ben bernanke would be one person to watch. tim cook, ceo of apple, is he a person to watch in the coming year? >> oh, is he ever. people think there is a steve jobs legacy. what would jobs do? this is what would cook do? he will come up with dazzling omg is what we're calling them, products. >> brand new senator coming to washington from massachusetts. elizabeth warren. what are you expecting from her? >> will she be a thorn in of ba become the voice of the government against bankers? she wants to be the latter. i think she'll only be the former. >> secretary of leaving. >> right. >> gone. tim giethneithner is saying i'm. give me the short list of people if you had the power to replace him. >> i'll give you the type of person, because i think this is who is in the running. a lot of executives in 2012 began to embrace the president after the big win. we need to see someone not necessarily from banking. that may be too troublesome but from industry. major fortune 500 -- >> throw a name out there. >> how about dave cote, ceo of h